A VA loan is a home mortgage loan insured by the US Department of Veterans Affairs, available to most US veterans and other classes of eligible military personnel. It allows up to 100% financing, never requires mortgage insurance, and carries flexible underwriting guidelines. VA mortgage rates are often the lowest of all available loan types.

Most members of the military, veterans, reservists and National Guard members are eligible to apply for a VA loan. Spouses of military members who died while on active duty or as a result of a service-connected disability may also apply. You may also be eligible for a VA Loan if you meet one or more of the following conditions:

You have served 90 consecutive days of service during wartime

You have served 181 days of services during peacetime

You have more than 6 years of service in the National Guard or Reserves

Residences that qualify for a VA loan come in all shapes and sizes. While single-family homes are the standard when pertaining to the VA loan, many condominiums, townhomes, modular homes, new construction and manufactured homes may also qualify.

Applicants that meet the basic requirements for a VA loan also need to acquire a VA Certificate of Eligibility (COE). A COE is used to verify your eligibility for home loan benefits. A COE it is not, however, needed to begin the application process. This is something that I can help you obtain.

If you are an eligible veteran or military member, you owe it to yourself to use this valuable home loan program to buy or refinance your home. I would love the opportunity to serve you the way that you served our country. Call me today to setup an appointment so I can answer any questions that you may have.